Okay, why would God not be unjust for punishing someone for sins that His Son paid the penalty for?
This is the court case scenario. The Bible doesn't specifically say that Jesus paid our penalty for sin. He bore our sins, yes. Anyhow, if we take this idea to be correct, Calvinism is still not solving the puzzle.
If the court case scenario is correct, then a person is saved when Jesus was punished for his/her sins. Then there would be no need for the person to have faith. Even Calvinists say that atonement needs to be received for one to be saved. So whether you believe in unlimited atonement or not the same "problem" exists: "Why do we need faith to be saved?" Calvinism is not solving the problem by saying Jesus only bore the sins of those he chose.
So instead of asking the question you asked, I would ask why we need faith for salvation.
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